In 1871 Frances and her Family are living at 192 Buckingham Palace Road London, Her Father Alfred is working as an Umbrella Maker.
Frances married Arthur Garner on the on 16th January 1879 at Christ Church in the parish of Clapham, London.
They had 3 children-
Joseph Arthur Garner, born 1879 Clapham London died 1882
Ernest Frank Garner, born 12th November 1881 South Lambeth London. He married Florence Draper, they lived in Chigwell Essex. Occupation Bank clerk. They had 1 child Betty Frances born 1914
Constance Annie Garner, born 1883 South Lambeth London. Married Arthur Frederick Gourd. They had 2 children Austin born 1909 and Frank born 1911
In 1881 the family have moved to 21 Gaskell Street Clapham, London. Arthur is working as a Telegraph Clerk with the civil Service Telegraph Stores branch.
By 1891 they were living at 7 Camden Park Road, St Pancras, London.
Then by 1911 all the children had left home and Frances and Arthur were living at 23 Cecile Park, Crouch End, London
Arthur died on 22nd august 1921 in Worthing and left an amount of £3374 42 4d
Frances died on 5 November 1933 while living at Ilford in Essex. She left an amount of £3799 7s 8d (£192467 in 2020) to Constance Annie Goord and Ernest Frank Garner.